I am 45, divorcing a wife who's 10 years younger, we have a 5yo son.

Of course, there are plenty examples of older people divorcing and doing okay, but here's the problem: for all practical considerations about the future, I started working being 40 years old.

I've moved countries at that age, leaving the wonders of Soviet Socialist Republic of Belarus (well, USSR was no more, but the country sticks to its roots) for a country in Western Europe.

Which resulted in my marital mortgage to be taken at my age of almost 40, with end date of when I'm 70 - not ideal, of course, but I saw some possibilities to speed it up at the end.

Now the new mortgage that I have to take in order to move out will end at my 75 years - that is, if the bank even agrees for this duration. My income will be barely enough to pay it (it'll be approx EUR 2000 a month) and live on a tight budget, which has to include 50% of my son's expenses too.

Now, I work in IT. I don't see anyone in IT who's 75 - while IT is generally not too complex, it's still an engineering and requires a good amount of high quality thinking, which most people find difficult at the advanced age.

I'm also losing a noticeable chunk of my savings in the divorce, larger than I expected anyway; and my pension is expected to be crap because I started building it at 39.

Adding to that, our 5 yo will require some money to get educated and start his own life.

I'm too old to divorce; don't have time to rebuild.

Anyway, I'm just panicking and venting, because I'm a nervous squirrel. If you have any thoughts on the matter, please share.